Citi Simplicity® Card

Card details
on Capital One's secure website
4.9, 2414 votes
Card details
  • The only card with No Late Fees, No Penalty Rate, and No Annual Fee... ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Purchases Intro APR 0%* for 21 months*
Balance Transfers Intro APR 0%* for 21 months*
Regular APR 14.49% - 24.49% (Variable)
Annual Fee $0*
Recommended credit score
690 850 Good, Excellent
Our Review
  • Long 0% APR period
  • No late fee
  • No penalty APR
  • No annual fee

Citi Simplicity® Card offers a 21-month 0% introductory APR on both balance transfer and purchases. Citi Simplicity card charges no annual fee, no late fee, and no penalty APR.


The interest rate is varied between 14.49% - 24.49%, and you won't know your rate until you apply.


By offering the longest 0% APR period, this card gives users more time to finance a purchase or offset balance-transfer fee. Also, users don't have to worry about late payments since there is no late fee and no penalty APR.